/PROV

PROV Stock - Provident Financial Holdings, Inc.

Q: What is the analyst price target for PROV?

Analyst price target information is not currently available for PROV.

Q: What is PROV's market cap?

Market capitalization information is not currently available for PROV.

Financial Services|Banks - Regional|NASDAQ

$15.97-0.56%

$0.09 (-0.56%) • Dec 19

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+0.2%upside

Target: $16.00

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Financial Statements

Revenue & Profitability Trend

FY2021

FY2022

FY2023

FY2024

FY2025

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.33

52W High$16.37

52W Low$12.98

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	$60.16M	$58.67M	$50.07M	$39.45M	$39.77M
Gross Profit	$39.67M	$38.93M	$40.69M	$38.77M	$35.92M
Gross Margin	65.9%	66.3%	81.3%	98.3%	90.3%
Operating Income	$8.87M	$10.39M	$12.42M	$12.86M	$10.19M
Net Income	$6.25M	$7.35M	$8.59M	$9.09M	$7.56M
Net Margin	10.4%	12.5%	17.2%	23.1%	19.0%
EPS	$0.93	$1.06	$1.20	$1.23	$1.01

Company Overview

Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B. that provides community banking services to consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its deposit products include checking, savings, and money market accounts, as well as time deposits; and loan portfolio consists of single-family, multi-family, commercial real estate, construction, mortgage, commercial business, and consumer loans. The company also offers investment services comprising the sale of investment products, such as annuities and mutual funds; and trustee services for real estate transactions. It operates through 12 full-service banking offices in Riverside County and one full-service banking office in San Bernardino County. The company was founded in 1956 and is based in Riverside, California.

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Rating Distribution

Strong Buy

Buy / Outperform

Hold / Neutral

100%

Sell / Underperform

Analyst Consensus🔴 Bearish

0 Bullish1 Neutral/Bearish

Price Targets

$17

Average Target

↑ 3.3% Upside

Now

$17

Low

$17

Average

$17

High

Based on 1 analyst

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
July 14th 2025	Piper Sandler	Resumed	Neutral	$16.5

Earnings History & Surprises

PROV

Beat Rate

50%

Last 18 quarters

Avg Surprise

+10.8%

EPS vs Estimate

Beats / Misses

9/8

1 met exactly

Latest EPS

$0.25

Q4 2025

EPS Surprise History

Q1 24

+19.2%

$0.31vs$0.26

Q2 24

-8.3%

$0.22vs$0.24

Q3 24

+21.7%

$0.28vs$0.23

Q4 24

+12.0%

$0.28vs$0.25

Q1 25

-55.2%

$0.13vs$0.29

Q2 25

+16.7%

$0.28vs$0.24

Q3 25

-17.2%

$0.24vs$0.29

Q4 25

-13.8%

$0.25vs$0.29

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 27, 2026	—	—	—	—
Q1 2026	Jan 27, 2026	$0.28	—	—	—
Q4 2025	Oct 28, 2025	$0.29	$0.25	-13.8%	✗ MISS
Q3 2025	Jul 28, 2025	$0.29	$0.24	-17.2%	✗ MISS
Q2 2025	Apr 28, 2025	$0.24	$0.28	+16.7%	✓ BEAT
Q1 2025	Jan 28, 2025	$0.29	$0.13	-55.2%	✗ MISS
Q4 2024	Oct 28, 2024	$0.25	$0.28	+12.0%	✓ BEAT
Q3 2024	Jul 29, 2024	$0.23	$0.28	+21.7%	✓ BEAT
Q2 2024	Apr 29, 2024	$0.24	$0.22	-8.3%	✗ MISS
Q1 2024	Jan 29, 2024	$0.26	$0.31	+19.2%	✓ BEAT
Q4 2023	Oct 25, 2023	$0.28	$0.25	-10.7%	✗ MISS
Q3 2023	Jul 26, 2023	$0.33	$0.26	-21.2%	✗ MISS
Q2 2023	Apr 26, 2023	$0.32	$0.33	+3.1%	✓ BEAT
Q1 2023	Jan 27, 2023	$0.34	$0.33	-2.9%	✗ MISS
Q4 2022	Oct 25, 2022	$0.31	$0.29	-6.5%	✗ MISS
Q3 2022	Jul 26, 2022	$0.23	$0.34	+47.8%	✓ BEAT
Q2 2022	Apr 26, 2022	$0.23	$0.23	0.0%	= MET
Q1 2022	Jan 26, 2022	$0.22	$0.30	+36.4%	✓ BEAT
Q4 2021	Oct 26, 2021	$0.27	$0.35	+29.6%	✓ BEAT
Q3 2021	Jul 28, 2021	$0.18	$0.44	+144.4%	✓ BEAT

Frequently Asked Questions about PROV

What is PROV's current stock price?

Provident Financial Holdings, Inc. (PROV) is currently trading at $15.97 per share. The stock has moved -0.56% today.

What is the analyst price target for PROV?

The average analyst price target for PROV is $16.00, based on 1 analyst.

What sector is Provident Financial Holdings, Inc. in?

Provident Financial Holdings, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.

What is PROV's market cap?

Provident Financial Holdings, Inc. has a market capitalization of $0.11 billion, making it a small-cap company.

Does PROV pay dividends?

No, Provident Financial Holdings, Inc. does not currently pay a dividend to shareholders.